Do you still have to pay medical insurance after retirement?

Employees don't have to pay medical insurance after paying the minimum number of years.

If you participate in employee medical insurance, according to the provisions of the Social Security Law, if individuals who participate in employee medical insurance reach the statutory retirement age and the accumulated payment reaches the number of years stipulated by the state, they will not pay after retirement and enjoy medical insurance benefits in accordance with state regulations. Therefore, when you retire, the insured person's employee medical insurance has paid the minimum number of years, and you can enjoy lifelong medical insurance after retirement, and you don't need to continue to pay.

As for the minimum payment period of employees' medical insurance, that is, how many years to pay when they retire, the state has not made a unified national regulation, and the minimum payment period of employees' medical insurance formulated in different overall planning areas is also different.

In areas where the minimum payment period of employee medical insurance is short, such as Shanghai and Guangzhou, it only needs to pay 15 years, and in long areas, such as Chongqing, men need to pay 30 years and women need to pay 25 years; In most areas, men need to pay for 25 years and women need to pay for 20 years.

If the insured reaches retirement age and the payment is not enough, he can choose to pay the minimum payment in one lump sum.

Medical insurance for urban and rural residents is generally paid by freelancers or self-employed people without fixed work units.

If you pay medical insurance for urban and rural residents, then you need to pay it annually, and every year you pay it will be guaranteed for one year.

During this period, the insured person needs to pay medical insurance every year to enjoy medical insurance reimbursement.

The most important thing is that there is no minimum payment period and retirement for medical insurance for urban and rural residents.

Generally speaking, when the insured person reaches the legal retirement age, he still has to continue to pay medical insurance premiums in order to enjoy medical insurance benefits.

Medical insurance for urban workers is the medical insurance that everyone works in the company and the unit helps us pay.

There is a big difference between urban workers' social security and urban and rural residents' medical insurance, that is, medical insurance retirement.

The medical insurance retirement of employees has a great influence on our medical security after retirement.

Under normal circumstances, employees can directly enjoy lifelong medical insurance reimbursement after they have paid a certain number of years and reached the statutory retirement age.

However, if the medical insurance has not been paid for a certain number of years, it will continue to be paid until the accumulated payment period meets the requirements.

legal ground

People's Republic of China (PRC) social insurance law

Twenty-seventh individuals who participate in the basic medical insurance for employees, when they reach the statutory retirement age, will no longer pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with state regulations; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.